PIP Benefits FAQ

Last Updat­ed on April 15, 2023 by acci­dents

Explore our com­pre­hen­sive PIP Ben­e­fits FAQ. Explore Per­son­al Injury Pro­tec­tion (PIP) ben­e­fits and claims, address­ing com­mon ques­tions about cov­er­age, require­ments, and claim process­es to help you bet­ter under­stand your PIP insur­ance pol­i­cy.

Can I choose any medical provider for treatment under my PIP coverage?

While PIP cov­er­age typ­i­cal­ly allows you to choose your med­ical provider, some insur­ance com­pa­nies may have pre­ferred provider net­works or require pre-autho­riza­tion for cer­tain treat­ments. It’s impor­tant to review your pol­i­cy and check with your insur­ance com­pa­ny to under­stand any lim­i­ta­tions or require­ments regard­ing your med­ical treat­ment.

Will my PIP insurance cover chiropractic care?

PIP insur­ance gen­er­al­ly cov­ers chi­ro­prac­tic care if it is deemed med­ical­ly nec­es­sary and rea­son­able. How­ev­er, cov­er­age lim­its and require­ments may vary depend­ing on your spe­cif­ic pol­i­cy and state reg­u­la­tions. Be sure to review your pol­i­cy and con­sult with your insur­ance com­pa­ny to under­stand the extent of your chi­ro­prac­tic cov­er­age.

Do I need to notify my insurance company after an accident?

Yes, it is essen­tial to noti­fy your insur­ance com­pa­ny as soon as pos­si­ble after an acci­dent, even if you do not believe you are at fault. Prompt­ly report­ing the acci­dent will help you ini­ti­ate the PIP claims process and ensure your insur­ance com­pa­ny is aware of the inci­dent.

What happens if the other driver involved in the accident does not have insurance?

If the oth­er dri­ver involved in the acci­dent does not have insur­ance or is under­in­sured, your PIP cov­er­age will still cov­er your med­ical expens­es and oth­er relat­ed costs up to your pol­i­cy lim­its. In addi­tion, you may be able to seek com­pen­sa­tion from the oth­er dri­ver through your uninsured/underinsured motorist (UM/UIM) cov­er­age if you have it as part of your auto insur­ance pol­i­cy.

Does PIP insurance cover accidents outside of my home state?

In most cas­es, your PIP insur­ance will pro­vide cov­er­age for acci­dents that occur out­side of your home state. How­ev­er, the cov­er­age may be sub­ject to the laws and reg­u­la­tions of the state where the acci­dent occurs. It’s essen­tial to check your spe­cif­ic pol­i­cy and con­sult your insur­ance com­pa­ny for details on out-of-state cov­er­age.

How is PIP coverage affected if multiple passengers are injured in an accident?

If mul­ti­ple pas­sen­gers are injured in an acci­dent, each indi­vid­u­al’s PIP cov­er­age will typ­i­cal­ly apply to their respec­tive med­ical expens­es and oth­er costs. How­ev­er, the total pay­out may be sub­ject to the per-acci­dent lim­it spec­i­fied in the pol­i­cy. In some cas­es, pas­sen­gers with­out PIP cov­er­age may be eli­gi­ble to claim ben­e­fits under the at-fault dri­ver’s insur­ance pol­i­cy.

Does PIP coverage extend to out-of-state accidents?

Yes, your PIP cov­er­age typ­i­cal­ly extends to acci­dents that occur in oth­er states with­in the Unit­ed States. How­ev­er, cov­er­age may vary depend­ing on the spe­cif­ic reg­u­la­tions and pol­i­cy lim­i­ta­tions in each state. It is essen­tial to review your pol­i­cy and con­sult with your insur­ance com­pa­ny to under­stand your cov­er­age for out-of-state acci­dents.

What happens if multiple insurance policies cover the same PIP benefits?

If mul­ti­ple insur­ance poli­cies cov­er the same PIP ben­e­fits, the poli­cies usu­al­ly fol­low a coor­di­na­tion of ben­e­fits or pri­ma­ry and sec­ondary cov­er­age order. The pri­ma­ry pol­i­cy will cov­er expens­es up to its lim­its, and the sec­ondary pol­i­cy will cov­er the remain­ing costs up to its own lim­its. It is essen­tial to com­mu­ni­cate with both insur­ance com­pa­nies to ensure that your claims are processed cor­rect­ly.

Do PIP benefits cover lost wages?

Yes, PIP ben­e­fits typ­i­cal­ly include cov­er­age for lost wages. If you are unable to work due to injuries sus­tained in a car acci­dent, PIP cov­er­age can help com­pen­sate for a por­tion of your lost income. The exact per­cent­age and lim­its for lost wages com­pen­sa­tion vary depend­ing on your pol­i­cy and state reg­u­la­tions.

Can I choose my own medical provider for treatment after a car accident?

In most cas­es, you can choose your own med­ical provider for treat­ment after a car acci­dent. How­ev­er, your insur­ance com­pa­ny may require you to see a provider with­in their net­work or request an inde­pen­dent med­ical exam­i­na­tion to eval­u­ate your injuries. It’s essen­tial to review your PIP pol­i­cy and con­sult with your insur­ance com­pa­ny to ensure you com­ply with their require­ments.